Senior Credit Analyst

Senior Underwriting AnalystMcKesson is an impact-driven, Fortune 10 company that touches virtually every aspect of healthcare. We are known for delivering insights, products, and services that make quality care more accessible and affordable. Here, we focus on the health, happiness, and well-being of you and those we serve – we care.What you do at McKesson matters. We foster a culture where you can grow, make an impact, and are empowered to bring new ideas. Together, we thrive as we shape the future of health for patients, our communities, and our people. If you want to be part of tomorrow's health today, we want to hear from you.Are you ready to be a pivotal force in Advancing Health Outcomes For All®? Join the Financial Services and Solutions (FSS) organization, where our focus is being a strategic business partner who creates value, provides efficiency, and ensures compliance for McKesson. In FSS, you'll gain exposure to all McKesson businesses while growing as a finance professional and fostering collaborative relationships with internal and external customers. Our high employee engagement scores reflect a vibrant and diverse workplace where your contributions have a tangible impact on the enterprise. If you're passionate about making a real difference and want to be part of a dedicated team that values professional growth, FSS is the place for you. Join us and energize your career with endless opportunities!The Senior Underwriting Analyst is responsible for independently managing a portfolio of complex customer relationships and delivering comprehensive, well-supported credit risk assessments. This role requires advanced financial analysis, a deep understanding of complex organizational structures, and the ability to evaluate risk across diverse healthcare segments.As a senior-level (P4) individual contributor, the role operates with a high degree of autonomy and is accountable for end-to-end credit decisioning. The Senior Credit Analyst is expected to move beyond process execution to develop complete, defensible recommendations supported by data and analysis. This role serves as a subject matter expert and plays a key part in driving underwriting quality, consistency, and process efficiency across the team.Role SummaryOwn end-to-end underwriting for a complex portfolio, independently evaluating credit risk, structuring limits and terms, and delivering well-supported decisions aligned to risk appetite and enterprise objectives Lead advanced financial and risk analysis, applying deep subject matter expertise to assess complex organizational structures, identify key risk drivers, and anticipate emerging trends across diverse customer segments Develop and influence credit decisions through executive-ready recommendations, translating complex analysis into clear, actionable insights while partnering cross-functionally to balance growth and risk Drive portfolio performance and underwriting excellence, proactively monitoring risk, resolving complex or high-impact scenarios, and leading enhancements to underwriting processes, consistency, and efficiencyGeneral ResponsibilitiesPortfolio Ownership & DecisioningIndependently manage a portfolio of complex, high-value customer relationships, including multi-entity and non-standard structuresOwn end-to-end underwriting decisions, including credit limits, terms, and structuring, within established risk appetiteExercise sound judgment in ambiguous situations, ensuring decisions are well-supported and aligned to enterprise objectivesAdvanced Financial & Risk AnalysisPerform comprehensive financial and credit analysis, including liquidity, leverage, cash flow, and operating performanceEvaluate complex ownership structures (e.g., PE-backed, parent/subsidiary) and assess risk across diverse healthcare segmentsAnticipate emerging risks by integrating financial performance, industry dynamics, and market trends into analysisRisk Assessment, Monitoring & MitigationProactively monitor portfolio performance, identify risk trends, and implement appropriate mitigation strategiesLead resolution of complex or high-risk credit scenarios, including escalations and non-standard requestsEnsure underwriting decisions are consistent with policy, regulatory expectations, and risk management standardsRecommendation Development & Executive InfluenceDevelop clear, defensible underwriting recommendations supported by data, analysis, and business rationaleTranslate complex financial analysis into concise, executive-ready insights to support decision-makingInfluence outcomes through effective communication with senior leadership and cross-functional stakeholdersCross-Functional Collaboration & Business PartnershipPartner with Sales, Finance, AR, and external customers to gather insights and structure pragmatic credit solutionsBalance risk and growth objectives by influencing deal structure, terms, and risk mitigation strategiesServe as a trusted advisor to stakeholders on credit risk and underwriting strategySubject Matter Expertise & Team ContributionAct as a subject matter expert in underwriting practices, credit policy, and assigned industry segmentsProvide guidance and informal mentorship to less experienced analysts; elevate overall team capability and consistencyIdentify and communicate portfolio-level risks, trends, and opportunities to leadershipProcess Improvement & Strategic ImpactLead or significantly contribute to improvements in underwriting processes, tools, and decision frameworksIdentify opportunities to enhance efficiency, automation, and standardization across workflowsSupport the evolution of credit policy, risk frameworks, and best practices through applied expertiseMinimum Job Qualifications:Education/TrainingBachelor's degree in Finance, Accounting, or related fieldBusiness Experience5+ years of experience in underwriting or corporate financeStrong understanding of financial statement analysisCritical Skills:Embrace Digital Transformation: Demonstrate a strong digital mindset by actively seeking and implementing technological solutions to enhance business processes and drive innovation within the team.Diverse and Inclusive Collaboration: Foster a collaborative environment that values diversity and inclusion. Build and sustain positive relationships with stakeholders from varied backgrounds to drive professional growth and organizational success.Strategic and Analytical Thinking: Exhibit strong business acumen by staying informed about industry trends and aligning projects with broader organizational goals. Use data-driven insights to make informed decisions and influence positive change.Adaptability and Growth Mindset: Show adaptability in the face of change and a willingness to take on challenges. Continuously seek learning opportunities and demonstrate resilience to maintain high performance and support team dynamics.Clear and Impactful Communication: Communicate complex information clearly and persuasively across all levels of the organization. Utilize storytelling to effectively convey ideas and drive key initiatives forward.Working Conditions:Environment (Office)Traditional office environmentPhysical RequirementsLarge percent of time performing computer-based work is requiredWe are proud to offer a competitive compensation package at McKesson as part of our Total Rewards. This is determined by several factors, including performance, experience and skills, equity, regular job market evaluations, and geographical markets. The pay range shown below is aligned with McKesson's pay philosophy, and pay will always be compliant with any applicable regulations. In addition to base pay, other compensation, such as an annual bonus or long-term incentive opportunities may be offered.Our Base Pay Range for this position$84,700 - $141,100McKesson has become aware of online recruiting-related scams in which individuals who are not affiliated with or authorized by McKesson are using McKesson's (or affiliated entities, like CoverMyMeds or RxCrossroads) name in fraudulent emails, job postings or social media messages. In light of these scams, please bear the following in mind:McKesson Talent Advisors will never solicit money or credit card information in connection with a McKesson job application.McKesson Talent Advisors do not communicate with candidates via online chatrooms or using email accounts such as Gmail or Hotmail. Note that McKesson does rely on a virtual assistant (Gia) for certain recruiting-related communications with candidates.McKesson job postings are posted on our career site: careers.mckesson.com.McKesson is an Equal Opportunity EmployerMcKesson provides equal employment opportunities to applicants and employees, without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability, age, genetic information, or any other legally protected category. For additional information on McKesson's full Equal Employment Opportunity policies, visit our Equal Employment Opportunity page.McKesson is committed to being an Equal